4312 E 48th St, Des Moines, IA 50317 Property Records

Polk County property record for 4312 E 48th St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 2018
Lot Size	0.289 acres (12,605 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,500 (Nov 2018)
Tax Bill	$4,370 (2024)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7923-22-151-017`

Property Details

APN / Parcel Number

Primary APN	`7923-22-151-017`
Alternative APN	`060/07934-400-027`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,292 sqft Living Area
Gross Area	3,024 sqft
1st Floor Area	1,292 sqft
Basement Area	1,292 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,605 sqft (0.289 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	4312 E 48TH ST
City	DES MOINES
State	IA
Zip	50317-4862
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 SUMMERSFIELD PLAT 3
Legal Subdivision	SUMMERSFIELD PLAT 3
Legal Lot Number	27
Jurisdiction	POLK IA
Township / Civil Division	DELAWARE
Census Block Group	2
Census Block	2051
Census Tract	10602

Owner

Source: Polk County records, as of October 15, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4312 E 48TH ST, DES MOINES, IA 50317-4862
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Sep 11, 2020	Deed of Trust, Mortgage · Conventional with PMI VERIDIAN CU
Nov 15, 2018	Deed of Trust, Subdivision Related Transfer · Conventional Mortgage VERIDIAN CU
Oct 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	2018-00039136
Deed Book / Page	17149 / 0748
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4312 E 48TH ST, DES MOINES, IA 50317-4862
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 E 48TH ST, DES MOINES, IA 50317-4862
Investor	Possibly a Property Investor

Mortgage

Document Number	0000051867
Date	Sep 27, 2023
Book Page	19610/886
Instrument	2023-00051867

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4312 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	0000031955
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 E 48TH ST DES MOINES IA 503174862, DES MOINES, IA 50317-4862

Mortgage

Document Number	0000031955
Date	Sep 18, 2020
Book Page	018075/000199
Instrument	31955

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2050

November 2018: Deed of Trust, Subdivision Related Transfer

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4312 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	0000039138
Instrument Date	Nov 15, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 24, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4312 E 48TH ST DES MOINES IA 503174862, DES MOINES, IA 50317-4862

Mortgage

Document Number	0000039138
Date	Nov 16, 2018
Book Page	017149/000752
Instrument	39138

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4312 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	0000044515
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 31, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4312 E 48TH ST DES MOINES IA 503174862, DES MOINES, IA 50317-4862

Mortgage

Document Number	0000044515
Date	Dec 6, 2018
Book Page	017173/000625
Instrument	44515

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 5, 2028

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Polk County
Municipality	Des Moines City
Unified School District	Southeast Polk Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$285,900 (+6.88%) Land $67,600 Building $218,300	$285,900 (+6.88%) Land $67,600 Building $218,300
2024	$4,370.00 (+326.76%)
2023		$267,500 Land $62,600 Building $204,900	$267,500 Land $62,600 Building $204,900
2020	$1,024.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2026 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DES MOINES WATER WORKS serves 246,055 people · EPA ID IA7727031
Water Source	Purchased surface water from CIWW (DMWW)
Last State Inspection	May 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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